help with insurance nightmare....

Hello and thanks to all for your kind replies...wife
here...

We're already faced with insurance being billed...shall I
be kind and say....'in not the best interest of us'...as
opposed to....'wrong!' They billed all the initial blood
work, etc as 'problem' (90% pay and deductible applies) as
opposed to 'routine for prostate wellness' (100% pay, $10
copay).

Just got an insurance statement for a one word procedure to
someone we don't know of $550 for a date we didn't even see
the doc.

We have Blue Cross Blue Shield national plan (PPO) and can
go anywhere in the US for care. In-network pays more, of
course. Our customer service people are fabulous (proud to
say they are West Virginians...they know what customer
service is even if finding docs are a problem)

so....anyone able to give us some idea of an overall cost
(breakdown would be even better but I am afraid to ask for
too much)...

We have a flexible spending account and I am trying to see
if we would use up $4000 in one year. Upping the yearly
amount to 4K gives us $1280 in tax savings and I think
we'll appreciate all the breaks we can get. Funny, we have
the blessing of being able to change the amount because we
just got married....and, besides that we adore each other,
my getting health insurance was another blessing. I am not
currently working because of health issues so finances are
tight...my job is to balance the budget and buy food that
won't add to the problem!

So...in summary...does anyone know if can we expect a 10%
bill this year of $4000 if we go the surgery route?

Thanks!

Deb